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Hagerty, Inc.（HGTY）与LiveRamp Holdings, Inc.（RAMP）财务数据对比。点击上方公司名可切换其他公司
Hagerty, Inc.的季度营收约是LiveRamp Holdings, Inc.的1.8倍（$388.1M vs $212.2M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 7.4%，领先11.4%），Hagerty, Inc.同比增速更快（16.5% vs 8.6%），过去两年Hagerty, Inc.的营收复合增速更高（19.5% vs 11.1%）
哈格蒂（Hagerty, Inc.）是美国知名汽车生活方式及会员服务企业，同时是全球规模最大的经典老爷车特种保险供应商，总部位于密歇根州特拉弗斯城，业务范围覆盖加拿大、德国及英国市场。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
HGTY vs RAMP — 直观对比
营收规模更大
HGTY
是对方的1.8倍
$212.2M
营收增速更快
HGTY
高出7.9%
8.6%
净利率更高
RAMP
高出11.4%
7.4%
两年增速更快
HGTY
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $388.1M | $212.2M |
| 净利润 | $28.6M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | 10.2% | 18.6% |
| 净利率 | 7.4% | 18.8% |
| 营收同比 | 16.5% | 8.6% |
| 净利润同比 | 238.4% | 255.7% |
| 每股收益（稀释后） | — | $0.62 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收HGTYRAMP
| Q4 25 | $388.1M | $212.2M | ||
| Q3 25 | $380.0M | $199.8M | ||
| Q2 25 | $368.7M | $194.8M | ||
| Q1 25 | $319.6M | $188.7M | ||
| Q4 24 | $333.2M | $195.4M | ||
| Q3 24 | $323.4M | $185.5M | ||
| Q2 24 | $313.2M | $176.0M | ||
| Q1 24 | $271.7M | $171.9M |
净利润HGTYRAMP
| Q4 25 | $28.6M | $39.9M | ||
| Q3 25 | $46.2M | $27.4M | ||
| Q2 25 | $47.2M | $7.7M | ||
| Q1 25 | $27.3M | $-6.3M | ||
| Q4 24 | $8.4M | $11.2M | ||
| Q3 24 | $19.0M | $1.7M | ||
| Q2 24 | $42.7M | $-7.5M | ||
| Q1 24 | $8.2M | $-5.4M |
毛利率HGTYRAMP
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
营业利润率HGTYRAMP
| Q4 25 | 10.2% | 18.6% | ||
| Q3 25 | 9.0% | 10.7% | ||
| Q2 25 | 12.9% | 3.7% | ||
| Q1 25 | 8.1% | -6.1% | ||
| Q4 24 | 1.8% | 7.5% | ||
| Q3 24 | 3.1% | 4.0% | ||
| Q2 24 | 12.2% | -3.0% | ||
| Q1 24 | 4.5% | -8.3% |
净利率HGTYRAMP
| Q4 25 | 7.4% | 18.8% | ||
| Q3 25 | 12.2% | 13.7% | ||
| Q2 25 | 12.8% | 4.0% | ||
| Q1 25 | 8.5% | -3.3% | ||
| Q4 24 | 2.5% | 5.7% | ||
| Q3 24 | 5.9% | 0.9% | ||
| Q2 24 | 13.6% | -4.3% | ||
| Q1 24 | 3.0% | -3.1% |
每股收益（稀释后）HGTYRAMP
| Q4 25 | — | $0.62 | ||
| Q3 25 | — | $0.42 | ||
| Q2 25 | — | $0.12 | ||
| Q1 25 | — | $-0.10 | ||
| Q4 24 | — | $0.17 | ||
| Q3 24 | — | $0.03 | ||
| Q2 24 | — | $-0.11 | ||
| Q1 24 | — | $-0.09 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $160.2M | $403.4M |
| 总债务越低越好 | $177.9M | — |
| 股东权益账面价值 | $221.3M | $962.3M |
| 总资产 | $2.1B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.80× | — |
8季度趋势，按日历期对齐
现金及短期投资HGTYRAMP
| Q4 25 | $160.2M | $403.4M | ||
| Q3 25 | $290.5M | $376.9M | ||
| Q2 25 | $259.6M | $371.1M | ||
| Q1 25 | $232.7M | $420.8M | ||
| Q4 24 | $178.7M | $384.3M | ||
| Q3 24 | $208.9M | $348.4M | ||
| Q2 24 | $186.4M | $342.7M | ||
| Q1 24 | $131.2M | $368.9M |
总债务HGTYRAMP
| Q4 25 | $177.9M | — | ||
| Q3 25 | $104.4M | — | ||
| Q2 25 | $153.4M | — | ||
| Q1 25 | $132.6M | — | ||
| Q4 24 | $105.8M | — | ||
| Q3 24 | $122.9M | — | ||
| Q2 24 | $98.0M | — | ||
| Q1 24 | $91.5M | — |
股东权益HGTYRAMP
| Q4 25 | $221.3M | $962.3M | ||
| Q3 25 | $211.7M | $943.8M | ||
| Q2 25 | $172.3M | $947.8M | ||
| Q1 25 | $162.9M | $948.9M | ||
| Q4 24 | $150.3M | $957.7M | ||
| Q3 24 | $148.3M | $932.1M | ||
| Q2 24 | $94.4M | $951.9M | ||
| Q1 24 | $93.5M | $949.1M |
总资产HGTYRAMP
| Q4 25 | $2.1B | $1.3B | ||
| Q3 25 | $2.2B | $1.2B | ||
| Q2 25 | $2.0B | $1.2B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.8B | $1.2B | ||
| Q2 24 | $1.7B | $1.2B | ||
| Q1 24 | $1.6B | $1.2B |
负债/权益比HGTYRAMP
| Q4 25 | 0.80× | — | ||
| Q3 25 | 0.49× | — | ||
| Q2 25 | 0.89× | — | ||
| Q1 25 | 0.81× | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 1.04× | — | ||
| Q1 24 | 0.98× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $219.0M | — |
| 自由现金流经营现金流 - 资本支出 | $194.5M | — |
| 自由现金流率自由现金流/营收 | 50.1% | — |
| 资本支出强度资本支出/营收 | 6.3% | 0.1% |
| 现金转化率经营现金流/净利润 | 7.67× | — |
| 过去12个月自由现金流最近4个季度 | $365.8M | — |
8季度趋势，按日历期对齐
经营现金流HGTYRAMP
| Q4 25 | $219.0M | — | ||
| Q3 25 | $92.2M | $57.4M | ||
| Q2 25 | $53.9M | $-15.8M | ||
| Q1 25 | $43.8M | — | ||
| Q4 24 | $177.0M | $45.1M | ||
| Q3 24 | $67.4M | $55.6M | ||
| Q2 24 | $64.0M | $-9.3M | ||
| Q1 24 | $58.2M | — |
自由现金流HGTYRAMP
| Q4 25 | $194.5M | — | ||
| Q3 25 | $85.2M | $56.8M | ||
| Q2 25 | $47.7M | $-16.2M | ||
| Q1 25 | $38.4M | — | ||
| Q4 24 | $155.7M | $44.8M | ||
| Q3 24 | $62.0M | $55.4M | ||
| Q2 24 | $56.6M | $-9.6M | ||
| Q1 24 | $53.7M | — |
自由现金流率HGTYRAMP
| Q4 25 | 50.1% | — | ||
| Q3 25 | 22.4% | 28.4% | ||
| Q2 25 | 12.9% | -8.3% | ||
| Q1 25 | 12.0% | — | ||
| Q4 24 | 46.7% | 22.9% | ||
| Q3 24 | 19.2% | 29.8% | ||
| Q2 24 | 18.1% | -5.4% | ||
| Q1 24 | 19.8% | — |
资本支出强度HGTYRAMP
| Q4 25 | 6.3% | 0.1% | ||
| Q3 25 | 1.8% | 0.3% | ||
| Q2 25 | 1.7% | 0.2% | ||
| Q1 25 | 1.7% | 0.2% | ||
| Q4 24 | 6.4% | 0.1% | ||
| Q3 24 | 1.7% | 0.1% | ||
| Q2 24 | 2.4% | 0.1% | ||
| Q1 24 | 1.7% | 1.0% |
现金转化率HGTYRAMP
| Q4 25 | 7.67× | — | ||
| Q3 25 | 2.00× | 2.09× | ||
| Q2 25 | 1.14× | -2.04× | ||
| Q1 25 | 1.61× | — | ||
| Q4 24 | 20.97× | 4.02× | ||
| Q3 24 | 3.55× | 32.10× | ||
| Q2 24 | 1.50× | — | ||
| Q1 24 | 7.10× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
